Commercial Health Insurance

Affordable health insurance for you and your employees

Protect the health of your business

Health insurance can help your small business both by providing you and your employees with quality medical care, and by helping you attract and retain the best employees.

You and your employees have worked hard to build your business. Now, it's time to reinvest in your greatest asset: your employees. For many small and medium businesses, that means health insurance. You know the value of it, and your employees do too.

Get a quote for a small business health insurance plan that provides quality medical care and financial protection in case of unexpected injury or illness.

  • Cover yourself and your employees, plus dependents
  • Hire and retain the best employees by offering competitive benefits
  • Choose from a broad selection of plans from brand-name insurers
  • Get personal help and advice from licensed agents at no extra cost

We have made arrangements with eHealth so that it will help you find a plan with the benefits you need at a price you can afford. Get a quote and see your coverage options.

Special tax benefits may be available to some small employers who offer group health insurance coverage to their employees.

If you'd like to offer a total benefits package, consider vision or dental insurance as well.

Small Business Group Health

Most Americans get their health coverage through group health insurance plans. Small business group health insurance plans generally work like the group health insurance plans offered by larger companies.

Monthly premiums are typically shared between the employer and employees, and dependents can usually be added to the policy as well.

eHealth works with a large variety of small business health insurance companies and has many plans to choose from in many states. eHealth can help you compare different plans from different insurers in your area to find the one for your needs and budget. The plans and insurers in each area vary, so come see what is available.

Benefits of group plan vs individual/family plan

Small business health insurance plans generally provide robust health insurance coverage than what's available in the individually purchased health insurance market under Obamacare. However, when considered on a per-person basis, small business health insurance coverage is often less costly.

By sponsoring a group health insurance plan, you're not only providing coverage to your employees, but you may be finding a more affordable coverage option for yourself**.

Self-Employed

Even if you're self-employed, or if you're paying contractors on a 1099 basis (in some states), you may qualify for group health insurance coverage. Various factors affect eligibility in each state.

Self-employed people without employees may not be eligible for small group health insurance coverage, and self-employed people typically buy individual or family health insurance coverage on their own.

eHealth can help you apply for individual or family coverage, or group health coverage. In most states, it can help whether or not you qualify for income-based government subsidies under the Affordable Care Act.

When you're required to offer health insurance to employees

Under the Affordable Care Act (Obamacare), small businesses with fewer than 50 full-time workers are generally not required to provide group health insurance coverage, though tax incentives may be available if you do. Additionally, your employees may be subject to a tax penalty if they don’t get insurance.

Employees of small businesses who do not get employer-based group health insurance coverage may be subject to a tax penalty if they remain uninsured.

Quote online or call for expert advice.